Mr. Richie Boucher:

That is correct. In the context of owner-occupiers whose mortgages are in arrears for 90 days plus and default loans, we have SFSs outstanding of approximately 2,200. We have sought engagement with the customers involved and tried a variety of means to seek engagement with them. However, the desire for engagement has not been reciprocated by those customers for whatever reason. We cannot offer a restructuring solution where we do not have an SFS. We are not allowed to do that. Therefore, the customers in question have, by default, narrowed the options available to us.